1. Published

    Vacations are costly, even if you start planning months before your vacation. While you are on the trip food, activities, and nightlife can get costly. Whether you don’t want to break the bank while on vacation or want to practice affordable ways to travel, these tips can help you save money.   

    Transportation

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    Choosing the right college can be daunting. One concern students often have when applying to college is the affordability of their college tuition. They must consider how they will obtain the money needed to pay for their college education and what strings are attached to that money. Three of the most common resources students use to fund their education are loans, scholarships, and grants.

  3. Published

    As college students, money often runs tight, but we still want to blow off steam going to fun events or activities. I often find myself wondering how I can save up some extra money to buy sports game tickets or tickets to a concert or music festival without completely changing my everyday routine. Here are some of my top tips to help you save money for an event:

  4. Published

    Traveling as a student can seem impossible. Between the checks from low paying university jobs and monthly allowances from parents, sometimes we must settle for a more frugal lifestyle. For students who want to travel, it may seem like vacations don’t fit in your budget, but it is very possible.  With these five tips, spring break trips will be easier on the pockets!

    5) Vacation savings      

  5. Published

    There are a lot of misconceptions around various personal finance topics. Many of this misinformation stems from confusion around credit scores and reports. Breaking through these misconceptions can help you understand what exactly credit scores are, and what purpose they serve in your financial life.  

  6. Published

    Fantastic, you made it through college, walked across the stage at graduation, received your diploma, and got that first career job offer. What should you ask your prospective employer about benefits, specifically about retirement plans? We understand that saving for retirement is essential, and it is best to start as early as possible. However, you need to know the conditions the company you work for has regarding retirement plans. Not all companies are created equal, and not all policies are the same.  

  7. Published

    Congratulations! You have taken action to get your financial life in order. Whether your goal is saving, budgeting, investing, or repaying debt, the good news is that you started. As you begin your journey in achieving your goals, it can be difficult to stay committed and motivated consistently over time. The first important action you can take is to get organized. Here are five tips that you can utilize to ensure you stay on track towards your financial goals.

  8. Published

    In an age dominated by social media and keeping up with the latest trends, it is easy to overspend on “wants” and ignore spending on “needs”. It doesn’t help that advertisements are constantly being viewed while using social media.

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    First of all, congratulations on graduating and being successful in your job search. That is a big deal and deserves to be acknowledged. There are some key points that can help make your career a little more rewarding, and one of those is through negotiation. That word draws many different feelings from people, some love it, and some hate it. I would like to share some tips to make it easy and not-so-scary. 

  10. Published

    Most of us college students live on a budget. We plan for our known expenses such as groceries, utilities, rent, textbooks, entertainment, and more. While it is easy for us to plan for those known expenses, we often tend to forget about unexpected expenses. Unexpected expenses are any potential cost a student could encounter outside of their known expenses. Circumstances such as fire, flooding, and theft are a few examples of how someone could lose their personal property. We don’t expect these situations to occur, but they are more common than most people think. 

  11. Published

    It is no surprise to anyone that college costs a lot of money. Some ways are obvious, while other costs are more subtle.  Knowing about the various costs that come along with college, as well as the financial benefits, can help a prospective student become prepared for their college years.   

  12. Published

    If you have ever created a tentative NEEDS budget, it might be likely that you have some spending cash left over. It could seem tempting to spend it all at once and live paycheck to paycheck, but in reality, that’s probably not the best thing to do.

    Let’s go through what my WANTS budget looks like, on an average week and month.

  13. Published

    Being in college is exciting. Learning things that you want to, socializing with new people, going out to eat, etc. All of this comes with the freedom of being independent. Parents are not there to tell you what to do. Sounds great, right?

  14. Published

    Life after college can be overwhelming as graduates begin their careers and start to face new challenges such as repaying their student loans. There are different repayment plans one can choose based on the type of student loan(s) one takes. Once you identified the type of loan, whether it is a federal student loan, private student loan, or both, you can begin planning out how you are going to pay off your debt.

  15. Published

    Preparing for graduation can be extremely stressful. Students can easily be so distracted by the present that they don't plan for what is going to happen after graduation. There are many things to think of when preparing for graduation. Here is a list of things that could be beneficial:

  16. Published

    Many students tend to struggle with whether they should live in university housing or on-campus apartments. Now, I would like to provide some pros and cons of living in these two types of housing, based on my experience living at University of Illinois at Urbana-Champaign.

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    Time is a precious asset, especially for any person looking to invest or put money away for retirement. Many people may not realize just how important and simple using time to their advantage can be.

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    There are many ways to have fun while staying safe and healthy during the pandemic without spending a lot of money. A few of my favorite activities to do are crafts, exercising, playing games, watching movies, and spending time with family and friends. There are many things to do, alone or safely with others.

    Exercising can be done in many fun ways, such as taking a walk around campus or at a park, biking, swimming, sledding, ice skating, rollerblading, skiing, snowboarding, or grabbing a friend to hit the gym together.

  19. Published

    Building good exercise habits leads to a better physique. The same is true for financial health and well-being.

    It doesn’t matter if you’re a millionaire or a broke college student; the better your financial habits are, the more financially secure you’ll be, and the more freedom you’ll have in how you use your money. I’m going to provide my top ten tips and habits that will help you maintain good financial well-being in your lifetime.

  20. Published

    These days, a cell phone is an essential to many people. Cell phones can help you contact people in a hurry and can help you keep in touch with friends and family. However, there is no secret that cell phone plans can be an outrageous expense every month. After paying all other utility, housing, and grocery costs, sometimes it may be hard to find the extra cash to pay your phone bill. Here are some tips and suggestions to keep your phone bill at a low and affordable cost.